Chii Chinonzi Bank Bank?

Zvokutengesa Zvinoreva Kubhadhara Bhengi KweVanhu

Bhengi rekutengesa ibhangi rinoshanda nevatengi, kupa mabhizinesi ekutanga ebhengi sekutarisa mabhengi, maakaunti ekuchengetedza, zvikwereti, nezvimwewo. Vatengi vekutengesa ndivo nhengo dzevanhu vose vanotarisira zvido zvavo (zvakasiyana nemasangano akadai sehurumende uye mabhizimisi angave aida mamwe mabasa akaoma).

Retail Banking Services

Mabhizimisi ekutengeserana anobata zvido zvemari zvekushandisa kwezuva nezuva uye zviitiko zveupenyu sekutenga imba.

Aya mabhangi kazhinji mazita emhuri wamunoziva (nemapazi ari mumigwagwa yakawanda mumigwagwa), asi masangano maduku anopawo mabhizimisi ekudhinda. Mabhenji emunharaunda emunharaunda nemakambani emakwereti anopa zvakawanda zvemashumiro akafanana sehombe huru. Nzvimbo dzepaIndaneti-yega mabhangi zvakare inosarudzo, kunyanya kuchengetedza mari kune zvishoma. Zviratidzo zvebhangi rezvitoro zvinosanganisira:

• Bhengi maakaunti sekutarisa maakaunti, mabhengi ekuchengetedza, uye mabhuku ekurega basa. Kuongorora maakaiti kazhinji kunouya nekadhi yebhadharo yekutenga uye kukwanisa kubhadhara zvikwereti paIndaneti kana mune zvemagetsi . Marikiti yemari yemari inobhadhara zvishoma, nemiganhu shomanana yekuti iwe unogona kushandisa mari kakawanda sei .
• Zvitatimiti zvepaiti (CDs) zvinowiridza pane mari yekuchengetedza , asi iwe kazhinji unoda kusiya mari yako isina kutarirwa kwemwedzi inoverengeka kuti urege kudzivisa kutanga kutora chirango .
• Makachengeterwa mabhokisi akachengeteka akachengetedza zvigadzirwa zviduku zvakachengeteka mukati memadziro ebhangi (saka haigoni kubiwa kana kuparadzwa pamba pako).

• Mari yekubhadhara mari inobatsira vanhu kutenga imba, uye yechipiri mari yekubhadhara inobvumira vanokwereta kugadzirisa zvikwereti zviripo kana kutora mari kunze kweimba yakakwana .
• Mahombekiti evanhu vese anobatsira vanhu kutenga motokari, uye inogonawo kugadziriswa.
• Zvikwereti zvisingabatsiri zvekubhadhara mari zvinogona kushandiswa kune chero chinangwa uye hazvidi kuti uite rubatso . Kuchinja mitsara yechikwereti (kusanganisira makadhi emakwereti) vanobvumira vanokwereta kuti vashandise uye vadzorere kakawanda vasingashandisi chikwereti chitsva.

Aya maitiro anoita kuti zvive nyore kune vanhu kuti vaite mari yavo. Zvinokwanisika kurarama pasina bhadha yebhangi , asi upenyu hwakaoma. Pasina mabhanki uye zvikwereti zvezvikwereti, unogona kupedzisa kushandisa nguva yakawanda pamabasa echiitiko uye uchibhadhara mari yakawanda ye-one-off transactions.

Mari yekubhadharira

Mabhanho aripo kuti aite purofiti, uye zvikwereti zvekwereti zvinodawo kuunza mari yekubhadhara mabhiridha. Vanozviita sei? Nzira inonyanya kushandisa mabhanhire ekubhadhara mari ndeyekuita zvikwereti nevatengi vanobhadhara uye kubhadhara chikwata chapamusoro chezvikwereti kune iyo zvikwereti. Ichokwadi chaicho chakaoma kunzwisisa , uye mari yebasa inowedzerawo mabhanhire 'emiganhu yepasi.

Semuenzaniso, mabhengi anotora mari yepamusoro yebhadharo paunoshandisa mari yakawanda kupfuura iwe uripo, uye vanobhadhara mari yakaderera yekudhinda cheki cashier kana kutumira kushandiswa kwemhepo kune vatengi.

Dzimwe Mhando dzeBhangi

Zvinogona kubatsira kusiyanisa mabhizimisi ekudhinda nemamwe marudzi emabhangi uye kutaura pamusoro pekuti mabhengi ezvitoro haaiti. Izvi zvinogona kuvhiringidza nokuti mamwe mabhange anoshanda mumisika dzakawanda: iyo mabhengi ekutengesa, uye mabhizimisi ekutengeserana, uye mabhenji ekutsvaga.

Mabhandi emabhizimisi anotarisa pamabhizimisi vatengesi (uye iwe unogona kukwanisa kubudisa bhizinesi rebhizimusi pabhangi rimwe raunoshandisa nokuda kwezvaunoda).

Mabhizimisi ane zvido zvakasiyana, zvakadai sokukwereta kwekushanda uye kudiwa kwekubvuma mhando dzakasiyana dzebhadharo kubva kune vatengi.

Mabhengi ekutsvaga mari akasiyanawo. Vanobatsira mabhizimisi anoshanda mumisika yemari. Somuenzaniso, bhajeti yekubvisa mari inogona kubatsira bhizinesi kuwana mari nekutengesa zvisungo kumutengesi.